Using Amex abroad: Guide to fees and charges

If you're planning on using your American Express card abroad to keep earning all those juicy rewards, you'll also want to be aware of the possible costs.

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Chris Lilly
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If you carry an Amex, the more you shop with it, the merrier – so you surely want to bring it overseas with you and use it for your purchases. But how much will you be charged in fees and what should you be aware of?

  1. Non-sterling transaction fees

    Amex converts all foreign currency transactions into US dollars first, and then into pounds. Amex has its own conversion rate – slightly different from Mastercard’s and Visa’s, but the gap usually isn’t huge. Moreover, Amex charges a 2.99% fee for all non-sterling transactions, which will be added to the conversion rate.

  2. Merchant currency conversion fees (DCC)

    When you purchase something abroad using your card, you’re often asked whether you want to pay in the local currency or in pounds. As a rule of thumb, it’s usually better to pick the local currency, and trust your credit card to handle the conversion. Merchant exchange rates are often terrible and there may be extra fees you aren’t aware of – instead, at least you’ll know from the start how much you’ll be charged by Amex.

  3. Cash advance fees

    Generally speaking, withdrawing cash with a credit card isn’t the brightest idea. Most cards will charge you an extra fee, and cash advances usually aren’t granted any interest-free periods. The amount you withdraw will start accruing interest immediately until you clear the debt. Amex is no exception on this. It charges a 3% or £3 fee (whichever the greatest) on your cash withdrawals, which is to be added to the non-sterling transaction fee. It also says it “will charge interest on all balances that result from cash advances from the date the cash advance is applied to your account irrespective of whether you pay the balance in full”.

  4. Credit card surcharges

    Credit card surcharges have become rarer in Europe, but it’s worth keeping in mind that they do still exist in some countries – merchants may automatically charge you an extra fee for paying with a credit card (and they might not let you know that they’re doing it). If in doubt, ask before deciding how you want to pay.

EU ban on credit card surcharges

In January 2018 the EU required member states to adopt the Payment Service Directive 2 (PSD2). The PSD2 is a ban on card payment surcharges – that’s when a retailer adds a fee because you’re paying using a credit card. However, it’s important to note that there are limitations and exceptions to this rule and there are other fees that may apply when you pay by credit card. If your card is from a non-EU bank, uses a network other than Visa or Mastercard or is a business/corporate card, then the merchant may still levy a surcharge.

American Express foreign transaction fees

Table: sorted by representative APR, promoted deals first
Data updated daily
Name Product Foreign usage charge (EU) Foreign usage charge (rest of world) Purchases Annual/monthly fees Representative APR Link Incentive Representative example
British Airways American Express® Credit Card
Finder Award
British Airways American Express® Credit Card
2.99%
2.99%
24.5%
£0
24.5% APR (variable)
Go to site
Read review
Earn 10,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
American Express Platinum Cashback Everyday Card
Finder Award
American Express Platinum Cashback Everyday Card
2.99%
2.99%
24.5%
£0
24.5% APR (variable)
Go to site
Read review
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
American Express Rewards Credit Card
Finder Award
American Express Rewards Credit Card
2.99%
2.99%
24.5%
£0
24.5% APR (variable)
Check eligibility
Read review
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
The American Express Nectar Credit Card
Finder Award
The American Express Nectar Credit Card
2.99%
2.99%
24.5%
Year 1 - £0, Year 2 onwards - £25 per annum
29.8% APR (variable)
Check eligibility
Read review
Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £25 per annum (waived in year one), your representative rate is 29.8% APR (variable).
American Express Platinum Cashback Card
Finder Award
American Express Platinum Cashback Card
2.99%
2.99%
24.5%
£25 per annum
29.8% APR (variable)
Check eligibility
Read review
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £25 per annum, your representative rate is 29.8% APR (variable).
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Data updated daily
Name Product Foreign usage charge (EU) Foreign usage charge (rest of world) Purchases Annual/monthly fees Representative APR Link Incentive Representative example
American Express Platinum Business Card
American Express Platinum Business Card
2.99%
2.99%
£595 p.a.
N/A (this product is a charge card).
Go to site
Read review
New Cardmember offer: Earn 40,000 Membership Rewards® points when you spend £6,000 in first 3 months of Cardmembership. Earn 1 Membership Rewards® point for every £1 spent thereafter.
American Express Gold Business Card
American Express Gold Business Card
2.99%
2.99%
Year 1 - £0, Year 2 onwards - £175
N/A (this product is a charge card).
Go to site
Read review
New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in first 3 months of Cardmembership. Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn 10,000 extra Membership Rewards® points when you spend £20,000 per quarter.
Amazon Business Prime American Express Card
Amazon Business Prime American Express Card
2.99%
2.99%
21.9%
Year 1 - £0, Year 2 onwards - £50 per annum
32.6% APR (variable)
Go to site
Read review
Earn 2% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 90 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 32.6% APR (variable).
Amazon Business American Express Card
Amazon Business American Express Card
2.99%
2.99%
21.9%
£50 per annum (first year waived – limited offer)
32.6% APR (variable)
Go to site
Read review
Earn 1.5% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 60 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 32.6% APR (variable).
British Airways American Express® Accelerating Business Card
British Airways American Express® Accelerating Business Card
2.99%
2.99%
22.2%
£250 per annum
96.7% APR (variable)
Go to site
Read review
Limited time offer: Earn 45,000 bonus Avios when you spend £5,000 in the first three months of Cardmembership. Earn 1.5 Avios for every eligible £1 spent on card and 2 On Business Points for every £1 spent with BA on eligible flights. 10,000 bonus Avios for every £20,000 spent (max £60,000 pa) per calendar year.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £250 per annum, your representative rate is 96.7% APR (variable).
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What about alternatives to American Express?

Table: sorted by representative APR, promoted deals first

If the Amex card you have (or are considering) isn’t great for overseas use, you may opt to switch to an alternative credit card, or even to take out a second card that you only use when you’re out of the country. Here are some cards with favourable overseas spending terms.

Data updated daily
Name Product Foreign usage charge (EU) Foreign usage charge (rest of world) Purchases Annual/monthly fees Representative APR Link Incentive Representative example
The Royal Bank Credit Card (existing customers only)
The Royal Bank Credit Card (existing customers only)
0%
0%
12.9%
£0
12.9% APR (variable)
Check eligibility
Read review
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
The NatWest Credit Card (existing customers only)
The NatWest Credit Card (existing customers only)
0%
0%
12.9%
£0
12.9% APR (variable)
Check eligibility
Read review
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Santander All in One Credit Card
Santander All in One Credit Card
0%
0%
0% for 20 months reverting to 17.9%
£3 per month
23.7% APR (variable)
Check eligibility
Read review
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Bip Credit
Bip Credit
0%
0%
29.95%
£0
29.9% APR (variable)
Check eligibility
Read review
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
Ulster Bank Credit Card Mastercard
Ulster Bank Credit Card Mastercard
0%
0%
12.9%
£0
12.9% APR (variable)
Read review
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
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Some digital banks including Curve and Revolut offer alternative ways to get around fees when paying with plastic abroad.

With Curve, for example, you can control multiple cards from your Curve card and app, and even if your card issuer charges exchange fees, Curve will convert the currency for you at the standard Mastercard exchange rate. Just be aware that restrictions and limitations do apply – you can read our full guide to find out more.

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